Factors Influencing Security, Trust and Customer Continuance Usage Intention of Cloud based Electronic Payment System in Indonesia

Abstract

Due to the increase in electronic payment system use, this study explores the factors influencing continuance usage intention of cloud based electronic payment system in Indonesia. A total of 385 respondents are collected using go ogle form and analyzed using SmartPLS 3.3. Questionnaire distributed using snowball technique by using social media such as line and telegram from 1 May until 21 June 2021. The result show only 3 hypotheses rejected which security has not impact to perceived security, technical protection has not impact to perceived trust and security statement has not impact to perceived trust. Another hypotheses supported such as transaction procedure, technical protection and usability have positive influence to perceived security; transaction procedure and usability have positive influence to perceived trust; perceived security and trust affect continuance usage intention of electronic payment system in Indonesia. To increase customer intention, both management of electronic payment system and merchant need to improve their security and trust.